Florida Cottage

Welcome to 21312 Hilltop Avenue, a thoughtfully upgraded Florida Coastal Cottage in the popular west end of Panama City Beach. Situated on a fully enclosed corner/peninsula lo,t just minutes from the Gulf water of The Emerald Coast and popular Beach Access 87, this home blends privacy, convenience, and premium coastal living. Its prime location offers easy access to the shopping and dining of Panama City through Scenic Highway 30A, and Northwest Florida Beaches International Airport (ECP), all with the benefit of no HOA restrictions. This Panama City Beach property has received over $100K in improvements designed for comfort and long-term value. A Trex privacy fence, custom gates, and a stuccoed concrete wall with decorative columns, and multiple access gates, surround the home, with black wrought iron fencing and gates accentuating the front of the home. The 26' x 7' Trex front porch (2022), covered carport with double gates, and upgraded driveway with paver extension (2024-2025) provide versatile outdoor living and curb appeal. The backyard is a true lifestyle retreat, featuring a private putting green, turf lawn with intentional drainage beneath to allow drainage to the edges of the property, mature landscaping, and large planters. An east-side outdoor shower adds coastal convenience, while the west-side entertaining area is equipped with a working sink, refrigerator, and grill. Multiple gated entry points, including a golf cart garage with drive-through access, make beach days effortless and highlight the home's versatility. Premium updates include a raised seam metal roof (2022) with new gutters, PGT hurricane-rated impact windows, Therma-Tru doors, and tinted storm doors. Essential systems have also been upgraded: new septic system (2022) with the old one removed not just crushed, HVAC (2019, serviced bi-annually, last inspected 2025), and water heater (2021). These improvements offer peace of mind and reduce future ownership costs and insurance discounts. Inside, the home offers a bright, open layout with quartz kitchen countertops, durable finishes, and two full bathrooms. Buyers can enjoy a move-in-ready experience with the opportunity to personalize the interior to their taste while major structural investments are already complete. Completely enclosed and designed with both privacy and lifestyle in mind, this Panama City Beach home in the golf cart friendly community of Riviera Beach is ideal as a primary residence, second home, or vacation rental. With proximity to the sugar-white sand beaches of the Emerald Coast, dedicated golf cart parking at nearby public accesses, and every major update already in place, 21312 Hilltop Avenue presents an exceptional coastal real estate opportunity in Florida.